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Pension in the Netherlands

Pension for employees in the Netherlands

Employees in the Netherlands will only receive a minimum benefit when they retire, because the state pension in the Netherlands is not related to the wages someone earns. For this reason, about 90% of the employees in the Netherlands have a supplementary pension plan, arranged by the employer or via a social sector pension fund.

Employing staff in the Netherlands

Are you considering employing permanent or temporary staff in the Netherlands? Than make sure you are well informed on the obligations you should fulfil.

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Employing staff in the Netherlands >>

how is the state pension in the netherlands financed?

Dutch employees pay 100% of the statutory pension’s contributions themselves. Employers do not contribute –as opposed to most countries – where employers pay a compulsory employer’s contribution towards the statutory pension of their employees. Moreover, they will only receive a benefit of around 50% of the minimum wage, because the state pension in the Netherlands is not related to the wages that an employee used to earn before retiring.

For this reason, about 90% of the employees in the Netherlands have a supplementary pension plan, arranged by the employer or via a social sector pension fund. Of course, not offering such a provision would be a disadvantage if you want to make a competitive offer to candidates when offering them a position at your company.

The supplementary pension plan would cost the employer between 12% and 20% of the gross salary, depending on the quality of the arrangement.

please check if there are any mandatory sectoral pension funds

In many sectors, a compulsory supplementary pension has been arranged by branch pension funds. You will need to find out whether a mandatory Dutch collective labour agreement or branch pension fund applies in your situation. To avoid possible fines in the future, we strongly recommend that you arrange for a collective labour agreement/sectoral pension fund investigation to be carried out. This investigation can be carried out by Interfisc at your request.

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Since 1972, Interfisc has offered international HR & Payroll solutions in the Netherlands, Belgium, Germany, France, the United Kingdom, and Italy. We do this from our offices in the Netherlands and Belgium, and with an international team of around 45 committed and caring employees. 

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